http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703240#M218229 <p>Hang in there, they will report the limit probably when your first statement drops so they can report the utilization as well. The initial reporting to the CRA's was just adding their account to your portfolio. The 5k will definitely help with your current utilization and should show you a nice improvement! Congrats!</p> Fri, 16 Nov 2012 04:42:32 GMT sphinx313 2012-11-16T04:42:32Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703062#M218213 <p>So, I had a 584 to start and now just got a score watch alert that I am at 618!  What changed is that I got my ex's charged off Discover off of my CR (was never an AU or anything...not sure why it was there) and applied for an got a NFCU Cash Rewards CC with a $5k credit line.   One thing I'm curious about though is that it doesn't look like NFCU reported my limit.  Is that just because it's the first time they have posted it?  Would it be better if they put the credit limit, esp since it's fairly high?  How else would they calculate your ratio?</p><p> </p><p>Next step to start working on the collections...</p><p> </p><p>:smileyhappy:</p> Fri, 16 Nov 2012 03:21:55 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703062#M218213 electra 2012-11-16T03:21:55Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703072#M218216 NFCU gave you a 5k limit with those scores?! I have GOT to establish a relationship with them lol Fri, 16 Nov 2012 03:25:17 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703072#M218216 KevinBlock55 2012-11-16T03:25:17Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703226#M218228 Congrats on both the score increase and approval through NFCU! Fri, 16 Nov 2012 04:36:39 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703226#M218228 Epcot 2012-11-16T04:36:39Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703240#M218229 <p>Hang in there, they will report the limit probably when your first statement drops so they can report the utilization as well. The initial reporting to the CRA's was just adding their account to your portfolio. The 5k will definitely help with your current utilization and should show you a nice improvement! Congrats!</p> Fri, 16 Nov 2012 04:42:32 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703240#M218229 sphinx313 2012-11-16T04:42:32Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703332#M218242 <p>Congrats on the score increase and the nfcu credit card. Nfcu is awesome!</p> Fri, 16 Nov 2012 06:17:22 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703332#M218242 wallyworld123 2012-11-16T06:17:22Z http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703562#M218269 <p>Congrats</p> Fri, 16 Nov 2012 14:03:33 GMT http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/30-point-jump-in-just-3-weeks-Yay-and-a-question/m-p/1703562#M218269 Cadillac-XTS 2012-11-16T14:03:33Z